Upland, California.
Typical home $813,655 (+1.3% in a year), asking rent $2,392 (+4.2%). Riverside-San Bernardino-Ontario, CA metro.
to buy the typical home at today's mortgage rate — +$2,236 (+110%) since Jan 2020.
- 1 year
- Up $10,156 +1%
- $803,499$813,655 since Sep 2025
- 5 years
- Up $126,082 +18%
- $687,573$813,655 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Upland$4,271
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Upland, CA rose 1.3% over the past year — in step with the nation.
Asking rents in Upland, CA rose 4.2% over the past year — faster than the nation's +2.7%.
Owning the typical home in Upland runs $3,225/mo more than renting one. The gap peaked at $3,433 in Jan 2025.
That is $5,617 a month against $2,392 rent: a $4,271 mortgage payment, plus $475 property tax and $871 insurance & upkeep.
Owning vs renting — Upland
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$5,617
- Renting$2,392
- Mortgage only$4,271
Property tax · $475/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for San Bernardino County, CA
Insurance & upkeep · $871/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Upland, San Bernardino County, California
Upland is a city of 79,040 people in San Bernardino County. Half its households earn more than $105,830 a year and half less, against $85,478 across San Bernardino County; 9% of its people live below the poverty line. 57% of its homes are lived in by their owners and 43% are rented. Unemployment in Upland was 4.9% in August 2026, and San Bernardino County had 0.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Upland is a city where residents are somewhat younger than you might expect, and household incomes run well above the county's. Most homes are lived in by their owners, though a good share of people rent, and typical home values and rents are on the high side. Winters are mild and the rain is light, with the coolest weather in December and hot summers that peak in August.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, and in restaurants, hotels and entertainment. Among the largest workplaces in Upland are San Antonio Regional Hospital, Upland Unified and Target. A fair number of people work from home, and the typical commute is a long one.
Things to do. California Botanic Garden is a botanical garden a short drive away, and Ontario Motor Speedway is a race track just as close. Farther afield, a longer drive reaches Disneyland, the amusement park, and The Huntington Library, Art Museum, and Botanical Gardens, a botanical garden with a museum and a library.
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- 27,402households
- 37%of adults have a degree
- 9%below the poverty line
- 31 mintypical commute
- 14%work from home
What residents work in
Employed residents by industry, from the Census survey. San Bernardino County had 848,961 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 67° and lows near 44°; warmest in August, with highs near 95° and lows near 65°. About 12 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Ontario International Airport weather station, 5 miles away (NOAA).
Largest workplaces in Upland
- San Antonio Regional HospitalGeneral hospital1,837FTE
- Upland UnifiedSchool district969FTE
- Holliday Rock CoBuilding materials supply dealers892
- Upland Rehab & CareSkilled nursing facilities358
- TargetDiscount department stores265
- WalmartDiscount department stores229
- Construction UplandAll other specialty trade contractors192
- AmazonSupermarkets and other grocery except convenience stores146
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 33 workplaces with 20 or more staff, 6,394 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingVery high
- EarthquakesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Upland’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on San Bernardino County and the Riverside-San Bernardino-Ontario, CA metro.
Upland home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Upland$813,655
- California$761,538
- United States$366,157
Sellers are cutting prices on about 1 in 4 Upland listings, and the typical home goes pending in 19 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Upland25.42%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Upland19
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Upland209
New listings per month
Sellers arriving at the market.
- Upland72
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Upland$772,212
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Upland100.27%
Zip codes with a Upland address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Upland — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Upland
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 91786 | Upland | 55,829 | $2,311 | $713,609 |
| 91784 | Upland | 26,886 | $4,084 | $971,214 |